This is one thing I am having a huge amount of issues with..

Im divorced from my childrens dad, remarried and I have full custody apart from every other weekend. I really need to sit down with him and discuss this issue.

I very much doubt exH would want to take the kids on full time or even be able to afford too, (with regards to my life insurance it is in my husbands name, my husband is aware though that the majority of the money is intended for the girls, with some for him as well, but the reason it is in DH name is I dont want exH only taking the girls due to the money he would have access to and then it not being used for the girls.. if that makes any sense. So IF exH decided he wanted full custody then he would be forced to access the money from now DH meaning the girls would still have access to the step dad and the money would only be used for the girls not exh beside a weekly maintenance amount... confused?)

in saying all of that, if anything was to happen to me, even with DH in the picture I wouldnt expect him to take the kids on full time instead of exH and in all honesty prefer them to go to my parents. My parents would then allow the girls to still be apart of their step families lives.

I really do need to get a will written up and speak to exh about this all.